@Gaege RootGet ready for the polar vortex and your car freezing! 

If an AC unit has to run too long to make up a high differential in temps, the coils can freeze up. 

Around Christmas time we had some incredibly cold weather that caused the oil line to freeze up requiring me to thaw out the line on numerous occasions until the water was out of the tank.

It’s not a freeze.

Sometimes it freezes in the winter in KCK [citation needed], so you also get to install some kind of heater in the garage - whether that is electric, or gas, or even a radiator coming off of the water heater. 

I can tell you in the last economic down turn I saw banks reduce or freeze Helocs all together so people's credit lines dried up whereas the refi you have already taken the money out.It all depends on how fast you think you will use the money and pay it off before a down turn happens and banks change or tighten their various types of loan programs.No legal advice given.

If down the road for some reason a tenant fails to keep the place warm enough and pipes freeze, I will call a plumber and have the tenants invoiced for the repair.

Again, nobody is going to sit for a gas turn on for $9/hour for 4 hours in freezing Cleveland.

This program encourages the restoration of historic buildings and provides a 20 year property tax freeze if approved.

We got deep freeze and pipes burst.